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Our Financial Institutions

Personal Loans in Jamshedpur

Personal loans in Jamshedpur can be obtained with ease from several banks and NBFCs. The loan amount ranges from Rs. 25,000 to Rs. 25 Lakhs with the tenor period of one to five years. Personal loans in Jamshedpur are the best option during the time of emergencies. A personal loan can be used for various purposes - it can be obtained for paying medical bills, covering wedding expenses, home renovation, personal durable goods and travel expenses. You can use a personal loan if you want to pay your multiple unpaid loans by opting for a debt consolidation or a balance transfer.

Located on the Chota Nagpur Plateau, Jamshedpur area is considered as the third largest city in Jharkhand. It is also considered as the first planned industrial city of India. Jamshedpur Tata Steel Group is among the top-ten global steel companies with an annual crude steel capacity of over 29 million tonnes per annum. It is now the worlds second-most geographically-diversified steel producer, with its operations in 26 countries and a commercial presence in over 50 countries. Constituted of major industries, the city has attracted multiple financial institutions. Various banks and NBFCs are expanding their business by providing multiple forms of credit to the customers.

For obtaining a personal in Jamshedpur at an attractive interest rate, you must have a good credit score i.e., above 700. Other requirements which you should keep in mind are your monthly salary, minimum age, reputation of the company you work in, your home ownership type etc.

It is best to carry out detailed research and gather relevant information before taking a personal loan. The interest rates, processing fees, flexibility of tenure and pre-payment charges should be compared and the best option should be chosen. Many people fall into the trap of borrowing from private lenders who charge a very high rate of interest. At times, the interest rates can go as high as 30%. It is advisable to turn to online lending platforms as the loans are provided at lower interest rates at these platforms. To get the best deal without going through a lot of trouble, online lending platforms such as IndiaLends.com are a good option. Applying for a personal loan online is convenient as most of the work is done by the online platform. When you apply online, your application is sent to various Banks and NBFCs according to your profile who make a lending decision after reviewing your application. Online platforms like IndiaLends operate without charging any extra fees or attached hidden costs.

Personal Loan: An Overview

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use. It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

How it Works

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use. It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

1

Registration

Apply online in less than 2 minutes

2

Quick Verification

We will review your application and give
you a decision within minutes

3

Loan Disbursal

Receive the loan amount within two days.

Find out your customized interest rate for a Personal Loan in Jamshedpur

A Personal loan is a form of credit offered by financial institutions for the borrower’s personal use. It is an unsecured loan and doesn’t require collateral as security or a guarantor to avail the loan.

I was not able to get a personal loan since my CIBIL score was very low. IndiaLends helped me improve my credit health. As my credit score is 750 now, I am planning to apply for a personal loan once again.

5.0

Ram Desai

Based on the customer service, the overall experience with IndiaLends has been great. The security precautions that IndiaLends provides to their customers is definitely, by far, the best I've experience with any lending company till date.

4.0

Sania Singh

I really appreciate their service. As they do what they say. I applied for an unsecured personal loan with IndiaLends and it got disbursed within six days. Though the rate of interest is a bit high, but I guess it is fine when you are in urgent need of a cash.

3.0

Rashee Maggu

I applied for a personal loan at IndiaLends. The process was really swift and satisfactory. I really appreciate their customer service as they do wonderful job in showing right financial path to their customers.

4.0

Frequently Ask Questions

Q.
How much can I borrow and for how long?

A.
You can get personal loans starting from Rs. 25,000 up to Rs.25 lakhs for 1 to 5 years.

Q.
Can I repay my loan early?

A.
Yes, you can pre-pay your loan as and when you want.

Q.
How does Indialends assess my credit worthiness and how long does this take?

A.
Each consumer wishing to borrow on the Indialends portal will need to go through a rigorous verification and credit assessment process. The assessment is based on information collected from various data sources like the application form, credit bureaus, bank statements, pay slips, verification reports, social media, etc.
The above process is automated and happens within seconds. Hence, you can get an approval shortly after you submit your application.

Q.
Why was my application rejected?

A.
The reason your application was rejected was because your credit profile did not match the criteria stipulated in the Indialends policy at the time. However, Indialends might be able to approve your application at a later date, if by then your credit file has improved or there have been changes in the Indialends credit policy.

Q.
What is my repayment schedule?

A.
Repayment of the loan will happen monthly on an EMI (equated monthly installment) basis where the amount will be calculated based on amortizing balance. One or two of the installments might be different which will depend on the timing of the loan.

Q.
What happens in the case of a missed payment or non-payment by a borrower?

A.
If the monthly payment for a borrower is delayed for any reason, a penalty fee and penal interest might be charged to the borrower.
The borrower’s credit file will also get impacted which will restrict him / her to get credit in the future. Legal action may also be taken against the borrower.

Q.
What information is shared with the lenders browsing through the profiles?

A.
Lenders will have the ability to view detailed profiles of the borrowers, information like financial information, employment information, etc. The personal information of the borrower remains protected as per our privacy policy.

Q.
How do I alter my loan request?

A.
Loan requests can only be cancelled prior to loan disbursal. In case you want to make any changes to your request please reach out to support@indialends.com. The support team will help you in making the modifications.

Q.
How can I make monthly payments?

A.
You can pay your EMIs using electronic transfer of funds, ECS.

Q.
How will you disburse the loan amount?

A.
Soon after the loan is approved, the funds will be transferred right into your bank account.

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